When you bundle home and auto insurance with ConsumerCoverage, you enjoy great savings by getting all your insurance requirements under one roof. The multi-policy discount that you earn for bundling your different policies like auto, home, condo, or renters insurance makes these policies cheaper and more affordable. Getting a bundled quote from us is easy – just give us a call! Making comparisons between quotes can be done with a single click, allowing you to review your coverage and make decisions instantly!
Well, maybe you should do it, but having multiple policies with a single carrier does carry the risk of settling for a price that seems good (because it’s bundled, after all) but is not really all that great when compared to what other providers might offer.
So, deciding if bundling home and auto insurance is right for you will require a little bit of thought—but don’t worry. We’re here to walk you through the major considerations so you can make the best decision.
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Before we get into why you should (or shouldn’t) bundle your home and auto insurance, let’s first be clear on what bundling home and auto insurance means. Simply put, when you “bundle” your home and auto insurance, you get both kinds of insurance from the same company.
Most of the time.
Sometimes, a company will bundle one of your policies with a policy from an affiliate company, which complicates things. You can’t just file a claim or deal with one company in this case, which eliminates the convenience of bundling.
Also, keep in mind bundling is not limited to home and auto insurance. You can bundle many different types of insurance, including life, RV, health insurance, and more—and not just for you. You can bundle multiple policies for multiple people residing in the same house.
When you bundle home and auto insurance, each insurance provider handles it a little differently.
Sometimes you will simply have two separate (but discounted) policies under the same insurance company. Other times, your two policies will share a policy number, and you may even pay a single premium.
We’ve already touched on the main benefits of bundling home and auto insurance: It’s more affordable and convenient.
Sometimes, however, bundling gives you neither cost nor convenience. As mentioned, there’s the issue of providers bundling you with an affiliate provider, which will still give you the discount, but not the convenience. You will have to file claims with different companies and often, will have to pay different bills.
The good news is you can tell your provider you do not want to be bundled with an affiliate.
Then, there’s the fact that just because you’re bundling policies does not mean you’re getting a good price. You still need to shop around and see if you’re getting the best price for your specific needs. Believe it or not, in some cases—like when an insurer doesn’t specialize in the sort of insurance you need (e.g. high-end vehicle insurance)—bundling may actually cost you more.
This said, generally speaking, the pros of bundling home and auto insurance outweigh the cons.
Here are a few more perks of bundling:
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Just because a provider offers to bundle doesn’t mean you’re automatically going to save money. To ensure you’re truly getting a great price for the coverage you need, here are a few tips:
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In most cases, bundling home and auto insurance is a smart move. It can:
However, there are possible pitfalls of bundling home and auto insurance. It may:
Whatever you decide to do, start here with us. We’ve curated a list of the best providers that specialize in home and car insurance bundles and we’ll match you with the best carrier for your needs.
Request a free bundled insurance quote now.
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Yes, it can, but remember that cancelling a policy from the bundle means losing your multi-policy discount. Talk to us, and we will help you find the best insurance to bundle home and auto from the get-go.
The best time to bundle your insurance policy would be when you’re buying a new home. Combine your homeowners’ insurance with your auto policy to get a best bundle insurance for higher savings with a multi-policy discount.
Claire Smith Claire is a creative entrepreneur with a variety of marketing and content creation skills, including blog and web copy writing, research, and strategy. She has a Masters in Cultural Studies from Queen's University and is known for thinking laterally about marketing, based on her deep knowledge of people and behavior.
